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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $70,132 | $48,078+45.9% | $78,676-10.9% | $62,881+11.5% |
| Participation rate | 46.2% | 65.2%-19.1pp | 73.6%-27.4pp | 69.3%-23.2pp |
| Annual return | 5.77% | 31.36%-25.6pp | 62.19%-56.4pp | 20.14%-14.4pp |
| Employer contribution / active EE | $1,129 | $2,015-44.0% | $2,850-60.4% | $2,281-50.5% |
| Participant deferral / active EE | $3,243 | $2,587+25.4% | $3,517-7.8% | $3,203+1.3% |
| Admin fee / account holder | $348 | $3,206-89.2% | $4,510-92.3% | $4,296-91.9% |